Let’s face it, no one wants to pay an arm and a leg for their car insurance. If you have a vehicle and use it on the road, it’s mandatory for you to take out car insurance. When hunting for a policy, you may be alarmed at the monthly and annual fees. However, with a bit of knowledge and research, you may just be able to shave some money off the total bill.

Whether you’re a new driver or your existing policy is about to come to an end, here are some straightforward ways how you can reduce car insurance costs.

Pick Your Car Carefully

The vehicle you drive is one of the crucial factors insurers concentrate on when setting premiums. As you would expect, a huge, flashy, powerful, and expensive model is going to cost more when compared to a basic, inexpensive car. For example, a Ford Fiesta is going to cost a lot less than a BMW 3. While many of us fantasise about driving an impressive model, if your finances don’t reflect your taste, you need to be realistic and stick to a car within your means.

Keep Your Vehicle Safe

Car insurance providers will provide a more affordable premium if you do everything possible to keep your vehicle out of harm’s way. If you can, keeping your car in a secure garage overnight rather than on the road will keep your ride out of easy reach from vandals and thieves. What’s more, you may find you can obtain a cheaper car insurance policy. To lower your premium further, why not consider adding extra safety features like a tracker?

Choose the Right Level of Cover

To drive on any UK road, you must have car insurance in place. There are three levels to pick from. These are comprehensive, third party, and third party, fire and theft. Comprehensive is the highest level of cover that protects yourself, your vehicle, other people, and their property in the event of an accident. Third party, fire and theft will protect against theft and fire damage. However, it won’t protect you in the event of a car accident that you’re responsible for. Third party is the minimum level of cover that covers you for damage to other property and cars. Quotezone.co.uk have a car insurance calculator you can use to find the right policy for you. They have helped millions of UK drivers find suitable car insurance.

Drive Fewer Miles

Car insurance premiums are typically more affordable for those that drive fewer miles. This is because the more miles you rack up, the higher chance you have of being in a car accident. Your MOT certificate will show mileage from previous years so use this to work out your annual mileage. Never lie about your mileage to get cheaper car insurance as you will be found out.

If you’re savvy and know what actions to take, there is a good chance you can save some money on your car insurance policy. From the type of vehicle you drive, to how many miles you do on the road, making minor changes can make an enormous difference to how much you pay.